(1) legal identity.

2 stable income, good credit, and the ability to repay the principal and interest.

(3) There are legal purchase and overhaul contracts and other supporting documents required by the loan bank.

(4) There are funds accounting for more than 20% of the total price of the purchased house, and it is guaranteed to be used to pay the down payment of the purchased house.

(5) A legal person with assets recognized by the loan bank as collateral and sufficient compensatory capacity. Other economic organizations act as guarantors.

⑥ Conditions stipulated by the lending bank.

⑦ The maximum loan amount is 80% of the total price or evaluation value of the house purchased.

(8) The loan term shall not exceed 30 years at the longest.

Pet-name ruby loan interest rate The loan term is less than 5 years, and the annual interest rate is 4.77%. If the loan term exceeds 5 years, the annual interest rate is 5.04%.

When you buy a house and want to borrow money, you must see whether you meet these conditions. If yes, the possibility of getting a loan will be great, but if not, let's see if it can be realized by other means.